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Terms of Use

Last Updated: March 13, 2025

These Terms of Use ("Terms") govern your access to and use of the NextWave: Cash Advance Now website, mobile application, and services operated by NEXTWAVE LOAN PROCESSING LLC ("we," "us," or "our"). NEXTWAVE LOAN PROCESSING LLC operates and manages the NextWave: Cash Advance Now application. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

1. Acceptance of Terms

By accessing, browsing, or using our website at NextWave: Cash Advance Now or any associated domains, our mobile application, or any related services (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Services

NEXTWAVE LOAN PROCESSING LLC is a loan processing company. We are not a lender. We do not make credit decisions, extend credit, or lend money. Our Services include:

  • Providing a platform for you to submit loan requests and explore loan options.
  • Matching your request with third-party lenders in our network.
  • Facilitating communication between you and potential lenders.
  • Providing tools such as loan calculators for informational purposes.

Submitting a loan request through our Services does not guarantee that you will receive a loan offer. Approval, rates, terms, and funding decisions are made solely by the third-party lenders. We do not control lender eligibility criteria, interest rates, fees, or loan terms.

3. Eligibility

To use our Services, you must:

  • Be at least 18 years of age (or the age of majority in your state of residence).
  • Be a legal resident of the United States.
  • Have the legal capacity to enter into binding contracts.
  • Not be prohibited from using our Services under applicable law.
  • Provide accurate, current, and complete information when requested.

We reserve the right to refuse service to anyone for any reason at any time.

4. Account Registration and Security

You may be required to create an account to access certain features. You agree to:

  • Provide accurate registration information and keep it current.
  • Maintain the confidentiality of your account credentials.
  • Accept responsibility for all activities that occur under your account.
  • Notify us immediately of any unauthorized use of your account.

We are not liable for any loss or damage arising from your failure to protect your account credentials.

5. Loan Request Process

When you submit a loan request:

  • You authorize us to share your information with third-party lenders in our network.
  • You understand that multiple lenders may receive your information and may contact you.
  • You consent to receive communications from us and from lenders regarding your request.
  • You acknowledge that submitting a request does not create an obligation to accept any offer.
  • You represent that all information you provide is true, accurate, and complete.

Providing false or misleading information may result in denial of services, termination of your account, and potential legal action.

6. Electronic Communications and E-Consent

By using our Services, you consent to receive communications from us electronically, including emails, text messages, and in-app notifications. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. For more information, see our E-Consent and Electronic Disclosure policy.

7. User Conduct

You agree not to:

  • Use the Services for any unlawful purpose or in violation of any applicable law.
  • Provide false, misleading, or fraudulent information.
  • Impersonate any person or entity or misrepresent your affiliation.
  • Interfere with or disrupt the Services or servers or networks connected to the Services.
  • Attempt to gain unauthorized access to any part of the Services, other accounts, or computer systems.
  • Use automated means (e.g., bots, scrapers) to access the Services without our permission.
  • Transmit viruses, malware, or other harmful code.
  • Collect or harvest personal information of other users.
  • Use the Services for any commercial purpose without our prior written consent.

We reserve the right to suspend or terminate your access for any conduct we deem inappropriate.

8. Intellectual Property

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, icons, images, software, and design, are owned by NEXTWAVE LOAN PROCESSING LLC or our licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works from any part of the Services without our prior written consent.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

  • The Services will be uninterrupted, secure, or error-free.
  • Any defects will be corrected.
  • The results obtained from the use of the Services will be accurate or reliable.

Loan calculators and other tools are for estimation purposes only. Actual loan terms, rates, and fees are determined by lenders and may differ from estimates.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEXTWAVE LOAN PROCESSING LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless NEXTWAVE LOAN PROCESSING LLC, its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any third-party right; or (d) any claim that your use of the Services caused damage to a third party.

12. Third-Party Links and Services

Our Services may contain links to third-party websites or services, including lender websites. We do not control and are not responsible for the content, privacy policies, or practices of any third party. Your use of third-party services is at your own risk. We encourage you to read the terms and privacy policies of any third party you interact with.

13. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Hillsborough County, Florida, or another mutually agreed location. You waive any right to a jury trial and to participate in a class action. Notwithstanding the foregoing, either party may seek injunctive relief in any court of competent jurisdiction.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the federal or state courts located in Hillsborough County, Florida.

15. Modifications

We may modify these Terms at any time. We will post the updated Terms on this page and update the "Last Updated" date. Material changes may be communicated via email or a prominent notice on our website. Your continued use of the Services after such changes constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Services.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, E-Consent disclosure, and any other policies referenced herein, constitute the entire agreement between you and NEXTWAVE LOAN PROCESSING LLC regarding the Services and supersede any prior agreements.

18. Contact Us

If you have questions about these Terms of Use, please contact us:

NEXTWAVE LOAN PROCESSING LLC
23007 BEECHNUT CT
LUTZ, FL 33549
Email: [email protected]
Phone: (863) 734-6454